79403 — Lubbock County, Texas Market Snapshot
Housing market data for zip code 79403 in Lubbock County, Texas. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$188,999
Days to Sell
94
Homes Sold
27
Inventory
74
Sale-to-List
0.0%
New Listings
71
Price/SqFt
$127
Pending Sales
37
Conforming Loan Available
Most homebuyers in 79403 can comfortably use conventional financing. The median home price of $188,999 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 94 days on average, 79403 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 79403 sells for 100.0% below asking price (0.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 79403 can comfortably use conventional financing. The median home price of $188,999 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 79403 are set at the county level.
2026 Loan Limits — Lubbock County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 79403
To purchase the median home at $188,999 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,598.
Monthly Payment
$1,598
Income Required
$68,488
Principal & Interest
$1,165/mo
Down Payment (5%)
$9,450
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 79403.
Estimated Monthly Payment
$1,320
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